Holiday Cottage Mortgages is an FCA-regulated mortgage broker based in Mole Valley, KT22 7LT, specialising in Buy-to-Let, Commercial, Holiday Lets and 3 other areas. Rated 5/5 from 88 reviews.
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Meet our experienced team of mortgage professionals
Charlotte Harris
Mortgage Adviser
Daniel Evans
Protection Specialist
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Leanne Hewish
9 Mar 2026Paul was brilliant throughout the process. We were let down but another broker and Paul took on our request and talked us through the process, found us a great deal and we've now completed! Over the moon - thank you Paul and HCM.
Hector Hunter
9 Jan 2026I had a really good experience with Holiday Cottage Mortgages. Paul was extremely helpful throughout, very easy to speak to, and always quick to get back to me with clear, honest advice. I wouldn’t hesitate to use them again in the future.
Ian Horton
24 Sept 2025Paul’s experience really helped with locating the right lender. The process has been easy to follow. HCM are specialists in their field and I would highly recommend them.
Daniel T
10 Sept 2025Excellent service from Paul in what was quite a complex remortgage. Brilliant knowledge and expertise in this part of the market, Paul was very patient and helped us find a product that met our requirements. Would definitely recommend HCM for those looking for holiday let products.
Simon Cook
20 Aug 2025Paul has now completed 2 fairly complex holiday let mortgages for us. His working process has been excellent and he has gone above and beyond to ensure everything has been sorted in a timely manner. We will definitely be using them again in the future and couldn't recommend them enough.
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Regulatory Status
Direct Authorisation
FCA Number
304155Get clarity on rates, affordability, and next steps in one quick conversation.
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UK buy-to-let repossessions have risen by 10% in Q4 2025, with landlords facing higher mortgage repayments due to rising interest rates. Landlords with a £250,000 mortgage face an annual repayment increase of £1,975.
Rents outside London have flatlined for the first time since 2017, potentially impacting landlords. With increased borrowing costs and stagnant rents, landlords could face squeezed profits.
Buy-to-let lending increased by 18.2% in Q4 2025, driven by landlords refinancing existing loans. This led to increased rental yields and lower interest rates, benefiting landlords.
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